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Itegeko ryo kudasesagura buri muntu wese akeneye kumenya

online finances 2022 12 21 17 27 13 utc

Rubyiruko bagenzi banjye, hari ubumenyi mwabyanga mwabyemera mukemeye kugira, kuko uko wabyihunza kose imbere uzahura n’aho wari ukwiriye kuba ubukene. Ubwo nta bundi, ni ukumenya gucunga neza amafaranga yawe.

Mu gihe cyose uteguye cyangwa se upanze ikintu runaka, byanze bikunze hari aho ugera hagusaba kugishakira amafaranga ngo gikorwe. N’ibirori byo kwizihiza isabukuru urabisabwa, guhaha mu rugo ni uko, buri cyose ni imibare.

Guteganya neza amafaranga uzakoresha muri gahunda zose wateguye, ni ikintu cy’ingenzi udashobora kubona aho uhungira kandi kigufasha kugera ku byo wiyemeje.

Impamvu iki gice cyo guteganya neza ingengo y’imari cyangwa se amafaranga uzakoresha ari ingenzi, ni uko kigufasha kumenya uburyo wakoresheje amafaranga winjije cyangwa wari usanganywe, ukamenya ayagiye icyo yakoreshejwe, n’ayo usigaranye uko angana kugira ngo uyakoreshe ibindi.

Gutegura uko ukoresha amafaranga yawe bigufasha kutayasesagura, ukayabikira ibindi uzakenera ejo hazaza.

Iyo wateguye uko ukoresha amafaranga yawe, umenya aho amafaranga yawe ashobora kuba ashirira kandi wenda atariho h’ingenzi, ukaba wahindura ukayashyira mu bindi bifite inyungu.

Dore ibintu by’ingenzi byagufasha gutegura neza ingengo y’imari yawe, ejo hawe hakaba heza kurushaho.

Sinzi niba warigeze wumva itegeko rya 50/30/20%! Bisobanuye ko amafarabga winjije ugomba kuyagabanya mu byiciro bitatu, icya mbere ni ayo uzakoreshwa ku byangombwa nkenerwa bya buri munsi, aya kabiri ni ibyo ushaka ariko bitari ingenzi cyane naho gatatu ni ayo kwizigamira.

Icyiciro cya 50 %, ni amafaranga ukwiriye gukoresha wishyura bya bintu by’ingenzi ukeneye mu buzima nko kwishyura ubukode bw’inzu, umuriro w’amashnayarazi, ibiribwa, amatike y’ingendo n’ibindi ubona bibuze mu rugo ubuzima bwahagarara.

Icyiciro cya kabiri cya 30 % kirimo ibintu bitari ingenzi cyane nko gusohoka, ibiruhuko, kujya mu bitaramo n’ibindi ushobora kubaho udafite kandi ukabaho.

Icyiciro cya gatatu ni icya 20 %, aya ni amafaranga byanze bikunze ukwiriye gushyira ku ruhande, ukayizimira kugira ngo azagutabare mu gihe cy’iminsi mibi.

Iyo ubashije gukoresha amafaranga winjiza ugendeye kuri iri tegeko, nibwo ushobora kwizera ko uburyo ukoreshamo amafaranga yawe aribwo. Ni uburyo bwiza bwo kwirinda kuba wakoresha amafaranga menshi ahatari ngombwa.

Nubwo atari ihame ko ubu buryo bushoboka kuri buri wese cyangwa buri gihe bitewe n’ibibazo umuntu yahuye nabyo, nibura bugufasha kumenya aho ufite intege nke mu mikoreshereze y’amafaranga yawe, ukaba wabiheraho ufata indi myanzuro.

Icyiza kandi cyo kugira uburyo uteguramo imikoreshereze y’amafaranga yawe, bituma ugera byihuse ku ntego z’igihe gito wihaye nko kuba wakwishyura inguzanyo nto cyangwa se ukaba wateganyiriza ikintu runaka wifuza kugeraho nko kubura inzu, moto n’ibindi.

Ntabwo ari ibintu wageraho utagira aho wandika uko ukoresha amafaranga winjiza n’uko ubika ayo wasigaranye. Ikindi kandi ni uguhora uvugurura uburyo ukoreshamo amafaranga yawe, niba wenda wongejwe ku kazi ukamenya ko n’amafaranga yo kwizigamira agomba kwiyongera.

Sinasoza ntakubwiye ko ibyo wakora byose, ukwiriye buri gihe kwishimira intambwe nziza wateye yaba nini cyangwa nto.

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